Florida 2026 Filed Rate
Florida workers' comp rates are filed with NCCI and approved by the Florida Office of Insurance Regulation. Rates shown are per $100 of gross payroll.
Rate History — Code 6884
| Year | Rate (per $100) | Year-over-Year | Status |
|---|---|---|---|
| 2026 Active | $4.24 | — | NCCI FL Filing |
| 2025 | $2.32 | -45.3% ($1.92) | NCCI FL Filing |
| 2024 | $2.29 | -1.3% ($0.03) | NCCI FL −15.1% overall |
| 2023 | $2.49 | +8.7% (+$0.20) | NCCI FL Filing |
| 2022 | $2.52 | +1.2% (+$0.03) | Historical |
Florida workers' comp rates have generally declined. In 2024, NCCI secured an overall -15.1% rate reduction (approved by FLOIR), one of the largest reductions in Florida history.
Code Description
Ship Hull Painting, Cleaning & Scaling: State Act
Ship hull painting workers, typically employed by commercial or private marine contractors, are subject to this class code. This industry poses a relatively high risk due to the hazardous nature of the work, with potential exposure to chemicals, heavy equipment, and waterborne pathogens. Pay-as-you-go PEO workers comp is a natural fit for this class as it allows businesses to manage their cash flow and avoid the upfront costs associated with traditional workers comp insurance, providing a more predictable and affordable solution.
Quick Premium Estimate
Based on the 2026 filed rate of $4.24 per $100 of payroll:
| Annual Payroll | Est. Annual Premium | Est. Monthly |
|---|---|---|
| $50,000 | $2,120.00 | $176.67 |
| $100,000 | $4,240.00 | $353.33 |
| $200,000 | $8,480.00 | $706.67 |
| $500,000 | $21,200.00 | $1,766.67 |
These are estimates based on the filed rate only and do not include SUTA, admin fees, or other charges. Get a full itemized quote →
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